Compare Current Charleston, West Virginia Mortgage Rates

Compare Charleston, WV mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Charleston.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Charleston. Plus, shopping lenders is free and there is no obligation.

Charleston, WV Mortgage Rates as of September 25, 2022
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact
Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Charleston, WV Mortgage Rates

September 25, 2022

Current mortgage rates in Charleston, WV are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Charleston, WV Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Charleston, West Virginia?

Below we provide helpful information on the real estate market, home prices and housing affordability in Charleston. Understand how much you need to earn to afford a home in Charleston, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Charleston fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Charleston is right for you.

The median home value for Charleston, WV (Kanawha County) is $125,597

Based on current mortgage rates and a 10% down payment, you need to make $20,579 per year to buy the median priced home in Charleston

With this income, you could qualify for a $113,037 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Charleston is $477

The median household income for Charleston, WV (Kanawha County) is $51,621

Based on this income, you can afford a home valued at approximately $315,060

The home price you can afford to buy based on household income in Charleston is 251% of the median home value which means housing prices are affordable. Charleston (Kanawha County) ranks 21 out of 55 counties in West Virginia and 808 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Charleston, WV is affordable


Loan Limits for Charleston, West Virginia

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Charleston (Kanawha County) below.

Conforming loan limits for Charleston, WV

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Charleston, WV

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Charleston, WV

1 unit: $647,200

Additional Mortgage Resources for Charleston, WV Residents

Mortgage Rates for West Virginia Cities

Beckley Mortgage Rates

Charleston Mortgage Rates

Clarksburg Mortgage Rates

Huntington Mortgage Rates

Martinsburg Mortgage Rates

Morgantown Mortgage Rates

Parkersburg Mortgage Rates

Princeton Mortgage Rates